Fair-do's, I've seen money come out of my bank pretty much instantly, but thats likely down to having a debit card linked to the PayPal account which is the same as using a card anywhere else as far as I can work out. Not sure of any other way of linking PayPal to bank accounts and this works for me (but has no bearing on receiving payments though, guess the bottom line is do not send items until money is guaranteed in your account, remember someone, perhaps Golt, getting burnt when money had hit his account but was the transaction was then rescinded).